If you are self-employed, a business owner, a freelancer, or retired early, you belong to a very specific group of people who get dealt a raw hand every single year.
Unlike people who work for major corporations, you have to shop for and pay full bore for your own health insurance. Every dollar comes directly out of your family’s pocket. There is no corporate HR department subsidizing your premium, and there is no government safety net writing off your costs. You pay the full, unvarnished retail price.
To make matters worse, you probably rarely even use your health insurance. Aside from an occasional checkup or a minor prescription, your policy mostly sits there—costing you the equivalent of a second mortgage payment every month—just waiting around for a "what if" catastrophe. You are paying a premium price for a product you barely touch.
Because the stakes are so high, you just want to make sure you are doing the right thing. You want a non-biased, objective opinion before you buy a plan. You want someone to look at the paperwork and tell you the truth: Is this actually a good policy, or am I getting ripped off?
But the moment you try to look for answers online, you hit a wall.
Most people arrive with the same three words: better coverage, better network, better premium. Those pull against each other, and which one matters most depends entirely on your situation.
Some plans are built around broad networks and out-of-state access. Some are built around low monthly cost with more exposure if something happens. Some are structured for people who use care regularly. Others make more sense for people who see a doctor once a year for a physical and nothing else.
If you're generally healthy and your coverage exists mainly for wellness visits and worst-case protection, you're in a genuinely different position than someone managing an ongoing condition. The right answer for you may not be the plan a friend recommended, and it may not be what you'd guess from the premium alone.
Working that out requires someone to look at your circumstances rather than at a rate sheet.
We're licensed in Tennessee and we shop most of the carriers available here. We are not the right fit for everyone, and we don't pretend otherwise.
If your situation calls for something outside what we handle, or if underwriting doesn't work out, or if you simply need a specialist in a corner of this we don't cover, we'll say so and connect you with someone in our network who does.
Over nearly a decade we've built relationships with agents and specialists across Tennessee and beyond. That network exists so you leave with an answer, not a dead end. It costs you nothing and we don't get paid for it.
You won't have to crawl back into the noisy landscape of lead generating websites, call centers and fly-by-night outfits in
who-knows-what state.
We check available options in Tennesse. We have no quota pushing you toward a particular plan.
We don't sell or share your information. Your details don't get passed to lead buyers. You won't start getting calls because you filled out a form here.
You'll understand what you're buying before you buy it. Including what it doesn't cover. Every plan has limitations, and you should hear about them from us rather than discover them later.
Our help costs you nothing. Independent agents are compensated by the carrier. Working with one doesn't raise your premium.
Brian Pierce
Brian is a licensed health insurance agent and longtime Nashville resident who takes pride in helping people make informed decisions about their coverage. A U.S. Marine Corps veteran and active member of the community, Brian believes in listening first, understanding each person’s situation, and providing straightforward guidance without unnecessary pressure. His approach is simple: help people understand their options, give them an honest assessment, and treat every client the way he would want to be treated.
Serving Tennessee since 2017.
615-852-8464
Reach out to us today for a personalized consultation on your health insurance needs.
"The security in knowing that you are going to get the coverage and benefits you need, when you need them, is a major role of your health insurance policy. "
301 Plus Park Boulevard, Nashville, Tennessee 37217, United States
Open today | 09:00 am – 06:00 pm |
We are not available on most major holidays.
But, please leave a message as we will return your call within 24 hours.
